Goal and Gap Assessment

Two connected views built from your own numbers. The Gap shows how far your passive income is from covering your active income and three paths forward. The Ladder shows what owning your goal actually requires, rung by rung. Every rate is your own assumption. Nothing here is advice, an offer, or a projection.

Every number in this tool comes from you. Enter your own figures and your own assumptions. The results are math on your inputs, nothing more. They are educational illustrations, not projections, promises, or advice.

The Gap

Active annual income ($)Selling cost (%)Capital gains tax (%)Refinance LTV (%)

Your balance sheet

Include anything deployable: properties, retirement accounts, stocks, cash. Income is what the asset pays you monthly today.

Purchase ($)Monthly income ($)Current value ($)Debt ($)

Equity $0 · ROE -- · Net sale proceeds $0

Total equity

Monthly passive

Average ROE

Net sale proceeds

Financial Freedom Gap

Enter your active annual income and what your assets pay you today. Your gap appears here once there are numbers to compare.

Three paths forward

A · As-is monthly passive

B · Refinance deployable

C · Sell deployable

Enter your own deployment rate assumptions. These are your scenarios, not rates offered or expected anywhere. Leave a slot blank to skip it.

Rate 1 (%)Rate 2 (%)Rate 3 (%)Rate 4 (%)

Rate ladder

Monthly income target ($)Defaults to your monthly gap. This is your number.

Annual yield assumption	Capital that implies
4%	--
6%	--
8%	--
10%	--
12%	--
14%	--
16%	--

This table is an arithmetic illustration only. Each row divides a monthly income target by an annual yield assumption. The rates shown are illustrative assumptions selected to show a wide range of outcomes. They are not offered, predicted, or typical returns, and no rate shown represents anything available through Alchemist Nation.

The Portfolio Ladder

Goal portfolio value ($)LTV (%)Rent rule (% of value)Equity growth (%)Depreciation (years)Capital raise (% of value)Avg cost per unit ($)Rungs (up to 15)

Enter a goal portfolio value to build your ladder.

These results are hypothetical illustrations calculated from the numbers and assumptions you entered. They are not predictions and do not represent results available through Alchemist Nation or its education. This tool does not provide financial, legal, or tax advice.

Client Teach Sheet

Export this assessment as a clean one page sheet. Every figure is computed from the numbers and assumptions you entered.

Alchemist Nation

Goal and Gap

Goal and Gap Assessment

The gap

Active annual income: $0
Monthly passive income: $0
Surplus: --

Your balance sheet

Total equity: $0
Net sale proceeds: $0
Average ROE: --

This document was prepared by its user with educational calculators from Alchemist Nation. Alchemist Nation did not prepare, review, or approve this document and makes no representation about its accuracy or completeness. All figures reflect assumptions entered by the preparer and are hypothetical educational illustrations. This document is not financial, legal, or tax advice, is not an offer of any kind, and may not be used to solicit capital or promote any financial product or arrangement.

Alchemist Nation is an education platform. Nothing on this site is financial, legal, tax, or accounting advice, and nothing here is an offer or recommendation of any product, service, or financial arrangement. All calculators and tools produce hypothetical illustrations based entirely on numbers you enter, which are not independently verified. Consult qualified licensed professionals before making financial decisions. © 2026 Alchemist Nation

One operator's numbers, entered by them, not a typical, promised, or verified return. Educational tool from AlchemistNation.com. Not financial advice.

This tool is for educational and operator planning purposes only. All figures are computed from the numbers and rate assumptions you enter. Nothing here recommends a course of action, names a counterparty, offers or describes any rate as available, or guarantees any outcome. Consult your own counsel, lender, and accountant before acting.